scholarly journals The Impact of Information Communication and Technology Utilization on the Financial Performance of Microfinance Institutions in Rwanda Case Study: Reseau Interdiocesain De Microfinance (Rim) Ltd, Rwanda (2011 -2015)

2017 ◽  
Vol 4 (2) ◽  
pp. 13
Author(s):  
Jean Bosco Harelimana
Keyword(s):  
Financial Performance ◽  
Quantitative Methods ◽  
Positive Impact ◽  
Financial Sustainability ◽  
Microfinance Institutions ◽  
Information Communication ◽  
Qualitative And Quantitative Methods ◽  
Descriptive Survey ◽  
The Impact

The study analyzed the impact of ICT utilization on the financial performance of microfinance institutions inRwanda with case study of Réseau Interdiocesain de microfinance (RIM) Ltd undertaken within 5 years (2011-2015). The study adopted the use of descriptive survey using both qualitative and quantitative methods for a totalsample size of 132. Purporsive and simple random simpling was used for this purpose. Primary and Secondary datawere collected and thene analyzed using SPSS version 16.00. The study found that ICT has been introduced and usedabout 5 years and above. The study found that ICT impact firstly on financial sustainability and profitability (65.8%),secondly on financial efficiency and productivity (23.7) and finally on portfolio quality (5.3%). ICT utilization havea high influence to the RIM Ltd.’s financial performance compared to the previous situation.The correlation results imply that ICT usage has a positive impact on financial sustainability and profitability as theymove in the same direction (R=0.502). The strength of the impact was found to be low due to the low investments inICT among microfinance institutions.

scholarly journals The contribution of loan management on the financial performance of umurenge savings and credits cooperatives in rwanda

2020 ◽  
Vol 10 (1) ◽  
pp. 64-86
Author(s):  
Alphonse Nsengiyumva ◽  
Jean Bosco Harelimana
Keyword(s):  
Financial Performance ◽  
Quantitative Methods ◽  
Management Practices ◽  
Positive Impact ◽  
Secondary Data ◽  
Simple Random Sampling ◽  
Total Sample ◽  
Qualitative And Quantitative Methods ◽  
Credit Cooperatives ◽  
Descriptive Survey

The study analyzed the contribution of loan management on the financial performance of Umurenge Savings and Credit Cooperatives in Rwanda. The study adopted the use of descriptive survey using both qualitative and quantitative methods for a total sample size of 78 clients who have received more than two times the loan. Purposive and simple random sampling was used for this purpose. Primary and secondary data were collected and then analyzed. The study found that loan management determinants used such as membership enrolment, client appraisal, credit risk control and collection policy impact on financial performance respectively at 23,9%; 24,1%; 39,2 % ; 28,4%.Loan management practices have a high influence on the SACCO’s financial performance during the five years.The correlation results imply that suitable loan management in a saving and credit institution has a positive impact on financial sustainability and profitability and on financial efficiency and productivity as they move in the same direction (R=0.980).

DAMPAK KEBERADAAN KAPAL PENYAMBANG TERHADAP PERTUMBUHAN KAWASAN EKONOMI PERIKANAN DI PELABUHAN PERIKANAN MUARA KINTAP KABUPATEN TANAH LAUT

2016 ◽  
Vol 3 (5) ◽  
pp. 29
Author(s):  
Martiah Akhdianti ◽  
Idiannor Mahyudin ◽  
Tri Dekayanti
Keyword(s):  
Development Strategy ◽  
Quantitative Methods ◽  
Positive Impact ◽  
Strategy Development ◽  
Fishing Communities ◽  
Fishing Activity ◽  
Qualitative And Quantitative Methods ◽  
Production Area ◽  
The Impact ◽  
The Village

Kintap coastal area is one of the areas that developed as a coastal fishery production.    Area-based coastal fisheries as Kintap Muara district is consisting of the main activities of fishing activity in the form of Fish Landing Base (PPI) with a variety of amenities. Coastal areas in the village of Muara Kintap pattern fisheries are people who are known to pattern  middlemen (Indonesian : penyambang) and developed since 2003. Study was conducted to see how the existence determines penyambang ships for fishing communities and the fishing estuary fishing port Kintap with : identifying the impact of fishing communities penyambang vessel catch and fishing port Muara Kintap; analyze business profits as penyambang ship; formulate strategy development as a fishing port economic zone fisheries. Technique uses qualitative and quantitative methods with a descriptive approach.The existence of the ship penyambang was a positive impact on fishermen catch. Fishermen catch will work more effectively and provide capital as a form of business development, while for the Port of Muara Kintap, penyambang ship has negatif impact on the port becauses penyambang ship can not be loading and unloading in the port. So that data from the catches of fishermen willnot be sould to penyambang as data the basis for determining the policy is difficult to know and retribution for PAD port no.  Average profit businesses penyambang vessel during fishing season is Rp. 2.773.611,00 per month while the crew (ABK) get Rp.1.386.806, 00 per month and crew still above the local minimum wage (UMR) South Kalimantan Province of  Rp. 1.337.500.00. Fishing harbor in the village of Muara Kintap, Tanah Laut District as district fisheries economy still needs a better development strategy so that the presence of the ship penyambang can contribute to Improved Income (PAD) Kintap Estuary Fishery Port.

scholarly journals The Impact Of Internal Organizational Factors On The Inappropriate Job Performance And Behaviour Of Employees: A Case Study

2014 ◽  
Vol 13 (5) ◽  
pp. 939
Author(s):  
Prakash Singh ◽  
Thembinkosi Twalo
Keyword(s):  
Job Performance ◽  
Quantitative Methods ◽  
Formal Education ◽  
Labour Productivity ◽  
Organizational Factors ◽  
Performance Practices ◽  
Qualitative And Quantitative Methods ◽  
And Performance ◽  
The Impact

The focus of this paper is on the impact of internal organizational factors on the inappropriate job performance and behaviour of employees. The Buffalo City Metropolitan Municipality (BCMM) in South Africa has been experiencing inappropriate job behaviour and performance of some of its workers. They include misappropriation of resources, maladministration, mismanagement, lack of service delivery, fraud, and corruption. Since many BCMM workers have various levels of formal education, such practices are not expected, because the structural-functionalist assumption is that formal education is a solution to societal challenges. Since inappropriate job behaviour and performance continue to be reported in spite of the formal education of BCMM workers, this study seeks to investigate how the two phenomena co-exist. It thus seeks to put into perspective the paradoxical co-existence of formal education with inappropriate job behaviour and performance, by focusing on the BCMM as a case-study. For data collection, this study used the mixed method approach; that is, a combination of qualitative and quantitative methods. The findings revealed structural, systemic, and human impediments to labour productivity in the BCMM. By and large, the unquestioning acceptance of the assumption that the skills shortage is responsible for inappropriate workers job performance and behaviour is discredited by the evidence of skilled personnel who exercise their responsibilities in a manner that undermines their occupational requirements. Therefore, this exploratory study affirms that the narrow conception of skills, that privileges job-specific capabilities, is not enough for cultivating a workforce with appropriate job behaviour and performance practices.

The Impact of Corporate Social Responsibility (CSR) on Bank Reputation and Financial Performance (Case study: Iranian banks)

2020 ◽  
Vol 1 (1) ◽  
pp. 1-6
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Financial Performance ◽  
Banking Sector ◽  
Positive Impact ◽  
Financial Institution ◽  
Private Banks ◽  
Corporate Social ◽  
The Impact

Banks and financial institutions play a significant role in the economy by facilitating the transfer of resources between lenders and borrowers. This article is an endeavor to map the corporate social responsibility (CSR) practices of major players in the Iranian banking sector and to find out the impact of such practices on their performance and image. This study examines the impact of CSR on bank reputation and financial performance. This research is based on local sample of 24 private banks and financial institution in Iran. We use a questionnaire for assessing reputation and for assessing performance we check bank income by their annual statements. The main hypotheses of research show the positive relationship between these indicators. The findings of study suggest that banks in Iran have increased their CSR activities, which also have a positive impact on performance of the business, apart from improving their reputation and goodwill.

scholarly journals Profiting from Poverty? A Case Study of UK based Microfinance Institutions

2015 ◽  
Vol 2 (2) ◽  
Author(s):  
Nitin Navin
Keyword(s):  
Developing Countries ◽  
Financial Performance ◽  
Financial Services ◽  
Social Performance ◽  
Financial Sustainability ◽  
Microfinance Institutions ◽  
Trade Off ◽  
External Capital

The success of the microfinance movement is beyond doubt. However, as the scope of the sector increased and commercialised, some problems of it became evident. Issue of profitability and sustainability of Microfinance institutions (MFIs) and, use of external capital by them are the two most debatable issues of the microfinance sector. The current study investigates these issues by targeting MFIs and consultants of microfinance sector located in UK. These MFIs and consultants have operations in different poor and developing countries. The study found that believing that MFIs can alone eliminate poverty is a fallacy. Any such belief by the policymakers will make further delay in eradicating poverty. The study also found that financial sustainability of microfinance seems to remain unachievable for most of the MFIs and, that there are fair chances of having trade-off between financial performance and social performance for those MFIs. On this line of thought, the study concludes by arguing that microfinance cannot be treated only as a substitute of the traditional financial services.

The Impact of Israeli-Palestinian Inter-Religious Dialogue

2019 ◽  
pp. 230-254
Author(s):  
Ben Mollov ◽  
Chaim Lavie
Keyword(s):  
Quantitative Methods ◽  
Essential Element ◽  
Social Psychological ◽  
Ongoing Research ◽  
Social Partnership ◽  
Qualitative And Quantitative Methods ◽  
Religious Dialogue ◽  
Commission Report ◽  
The Impact

This chapter will focus on the prospects of inter-religious dialogue as a means of fostering the Israeli-Palestinian peacebuilding process, both from a theoretical and empirical perspectives. The two authors come from the disciplines of political science and social psychology and employ qualitative and quantitative methods, respectively. Although counter-intuitive as part of an ongoing research project, the authors suggest that, in line with other research, religion can indeed serve as a bridge between Israelis and Palestinians and not merely act as an escalatory influence as is commonly assumed. The authors have drawn on earlier work of these researchers and others, which have provided empirical evidence over time that inter-religious dialogue encounters between Israelis and Palestinians can help nurture perception change based on social psychological dynamics for intergroup relations as both sides discover strong commonalities between their respective faiths. This opportunity also offers a means to mutually explore the basis of the narratives of both sides in a non-confrontational atmosphere. Perception change between groups locked in conflict is an essential element for moderating strife and encouraging dialogue. However, in the case of the Israeli-Palestinian conflict clashing narratives––as succinctly analyzed in the Peel Commission Report of 1937––rooted in religious and cultural identity informs the conflict and must be addressed through dialogue with the hope of mutual accommodation. Ideally, the transcendent elements of religion can also serve as positive points of meeting. Research data collected primarily from the work of the Interfaith Encounter Association (IEA) will be presented to demonstrate the advantages of the inter-religious approach. In addition, the authors also refer to the case study of a special annual inter-religious dialogue by mid-level leadership in the “spirit of social partnership” in the Jewish-Arab City of Akko (in Northern Israel) in the context of an annual graduate seminar organized by the first author.

scholarly journals Vertical integration and financial performance in African emerging economies: Case Study of Olam Nigeria Limited, Nigeria

2021 ◽  
Vol 12 (01) ◽  
Author(s):  
Ndifreke Clinton-Etim ◽  
◽  
Theoneste Manishimwe ◽  
◽  
Keyword(s):  
Financial Performance ◽  
Vertical Integration ◽  
Emerging Economies ◽  
Positive Impact ◽  
Primary Data ◽  
Secondary Source ◽  
African Countries ◽  
Cross Sectional ◽  
The Impact

The rapid population growth and the ongoing globalization of the economies result in increased competitiveness. Customers now prefer organizations’ that do not just meet but also exceed their needs. Vertical Integration (VI) has been used as a vital tool to increase competitiveness by aligning organizational functions and promoting new opportunities through supply chain management. Though, there has been ambiguity in findings on the impact of vertical integration on financial performance worldwide. Hence, the purpose of this study is to provide empirical evidence regarding the impact of vertical integration on financial performance in African emerging economies, a case study of Olam Nigeria Limited. The secondary data was obtained from Olam's cross-sectional financial record between 2010-2018, and the primary data was from 175 respondents out of the 183 questionnaires administered to the employee sample frame. Descriptive statistics and regression analysis were used to analyze the data. The findings indicate a positive impact between the components of vertical integration and financial performance measures in Olam Nigeria Limited. This study is one of the first studies conducted in emerging economies after the International Monetary Fund (IMF) upgraded 9 African countries, including Nigeria. These findings can serve as a strategic, operational guide for business managers who may be considering vertical integration to improve their financial performance. This study also adds to the secondary source on the subject matter in the Nigerian Agribusiness sector, and it reiterates the three theories: transaction cost theory, resource-based theory, and property rights theory. However, the financial performance measurement metrics are limited to Olam's recommended parameters to gauge its progress, and the study did not cover the moderating variables.

Impact of corporate governance on financial performance: The case of listed warehouse transportation firms in emerging economy

2021 ◽  
Vol 5 (2) ◽  
pp. 32-43
Author(s):  
Duc Tai Do ◽  
Thi Thuy Hang Pham ◽  
Binh Minh Tran ◽  
Manh Dung Tran
Keyword(s):  
Corporate Governance ◽  
Financial Performance ◽  
Quantitative Methods ◽  
Negative Impact ◽  
Stock Exchange ◽  
Negative Relationship ◽  
Business Environment ◽  
Listed Firms ◽  
Qualitative And Quantitative Methods ◽  
The Impact

Corporate governance structures are expected to help a firm have better financial performance through giving proper decision-making (Shivani, Jain, & Yadav, 2017). In recent years, along with the completing process of the business environment, the corporate governance framework in Vietnam has also been gradually built and implemented. However, corporate governance in Vietnam still has some limitations. This study is conducted to investigate the impact level of corporate governance on the financial performance of warehouse transportation firms listed on the Hanoi Stock Exchange (HNX) of Vietnam. We employ both qualitative and quantitative methods for processing data collected from twenty-two listed firms. The results reveal that determinant of corporate governance including the nationality of the board (NB), board composition (BC) has a negative relationship with financial performance; the remaining determinants, such as board size (BS), professional qualifications of the board (BE), the proportion of women (PW), the average age of the board (AA), general director concurrently of the board chairman (PO), do not influence financial performance. However, this impact level changes when we put some controlled variables in the model. In addition, the controlled variable of enterprise continuous uptime (COT) also has a negative impact on financial performance. Based on the findings, some recommendations are proposed relating to corporate governance for enhancing the financial performance of listed warehouse transportation firms in Vietnam

scholarly journals The Impact of Sustainable Practice on the Indonesian Hotel’s Financial Performance: A Case Study of Cipaku Garden Hotel

2021 ◽  
Vol 1 (5) ◽  
pp. 55-65
Author(s):  
Handy Andriyas ◽  
Kevin Bastian Sirait
Keyword(s):  
Waste Management ◽  
Financial Performance ◽  
Positive Impact ◽  
Profit Margin ◽  
Study Approach ◽  
Tourism Sector ◽  
Net Profit ◽  
The Impact ◽  
Sustainable Practice

  The agenda of researchers and practitioners within the hospitality and tourism sector has focused on the need and demand for sustainable practice. Following this situation, the Cipaku Garden Hotel, as a small-to-medium-sized hotel operating in Indonesia, follows the trend that has taken place and conducts sustainable practice as part of its business activities. Accordingly, the objectives of this study are to examine the sustainable practice conducted by the Cipaku Garden Hotel, uncover the management’s perception concerning the benefits of the applied sustainable practice, and analyze the outcome and influence generated by the implemented sustainable practice on the hotel’s financial performance. Through a case study approach, it is found that the Cipaku Garden Hotel applies its sustainable practice within the form of waste management activities. Within those activities, the hotel recycles organic waste into catfish food and compost. As a result, the hotel’s waste management activities have improved its cost-saving capabilities, and it is marked by the reduction of cost on catfish care up to 49% and garden maintenance around 50%. Profit-wise, the hotel’s sustainable practice has also increased its gross profit margin and net profit margin by 8% and 4%, respectively, compared to its previous year. Thus, the sustainable practice conducted by the Cipaku Garden Hotel brings a positive impact to its financial performance.

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